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6E Rewards – IndiGo HDFC Bank Credit Card VS IndiGo Axis Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 September 2026

Both cards are built for the same purpose - accelerated rewards on IndiGo flights - issued by two different banks. 6E Rewards IndiGo HDFC Bank charges a lower ₹500 fee and includes a complimentary flight voucher plus a 6E Prime Add-On as welcome benefits. IndiGo Axis Bank charges a higher ₹799 fee but adds welcome and annual BluChip vouchers on top of accelerated IndiGo earnings. Since both cards earn their accelerated rate only on IndiGo bookings specifically, the practical deciding factor is usually which bank you already hold an account with, rather than a meaningful difference in the IndiGo-specific benefits themselves.

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6E Rewards – IndiGo HDFC Bank Credit Card
6E Rewards – IndiGo HDFC Bank Credit Card
IndiGo Axis Bank Credit Card
IndiGo Axis Bank Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining FeeLifetime Free
Renewal Fee₹500 + GST
Renewal FeeLifetime Free
Spend Based WaiverNot Applicable.
Spend Based Waiver
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees3.50% of transaction value.
Interest Rate (APR)3.75% Per Month (45% Annually).
Interest Rate (APR)3.75% per month (55.55% per annum).

Rewards & Benefits

Welcome BonusReceive 1 complimentary flight ticket voucher worth ₹1,500 and 1 complimentary 6E Prime Add-On.
Welcome BonusVoucher worth 1,200 IndiGo BluChips upon payment of joining fee.
Rewards RateEarn 2.5% on IndiGo, 2% on dining/entertainment/groceries, 1% on fuel & other spends.
Rewards RateEarn 3 BluChips on IndiGo, 2 on groceries/dining, and 1 on other eligible spends per ₹100.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption Fee₹200 + GST for redeeming 6E Rewards.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessNo complimentary lounge access is offered.
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter.
International Lounge AccessNo complimentary lounge access is offered.
International Lounge Access
Travel BenefitsAccelerated 6E Rewards on IndiGo flights, complimentary flight voucher & 6E Prime Add-On.
Travel BenefitsDesigned for frequent IndiGo flyers, offering accelerated BluChips on IndiGo channels redeemable for flights.
Movie BenefitsEarn 2% 6E Rewards on entertainment spends.
Movie Benefits
Dining BenefitsEarn 2% 6E Rewards on dining spends.
Dining Benefits
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge WaiverNo Waiver Applicable.
Fuel Surcharge Waiver

Security & Other

Insurance BenefitsNot Applicable
Insurance Benefits
Cash Advance Charges2.5% of amount withdrawn, min ₹500.
Cash Advance Charges2.5% of transaction amount (Min ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – IndiGo HDFC Bank Credit Card

IndiGo Axis Bank Credit Card

Who is it for?

The 6E Rewards IndiGo HDFC Bank Credit Card is designed for frequent IndiGo travelers, offering accelerated 6E Rewards on flight bookings, dining, and entertainment. It comes with valuable welcome benefits like a complimentary flight voucher and 6E Prime Add-On. While it excels in travel rewards, it does not provide lounge access or fuel surcharge waivers.

Who is it for?

The IndiGo Axis Bank Credit Card is a co-branded travel card designed for frequent IndiGo flyers, converting daily spends into IndiGo BluChips for flights and rewards. It offers accelerated earnings on IndiGo channels, valuable welcome and milestone benefits, and complimentary domestic lounge access. Currently, it stands out with a limited period offer of NIL joining and annual fees, making it an attractive option for those prioritizing travel savings with IndiGo.

Pros

Key benefits and features.

Receive a complimentary IndiGo flight ticket voucher worth ₹1,500 upon meeting criteria.

Enjoy accelerated rewards of 2.5% 6E Rewards on all IndiGo flight bookings.

Get a complimentary 6E Prime Add-On, including priority check-in and a meal.

Earn 2% 6E Rewards on grocery, dining, and entertainment spends.

Pros

Key benefits and features.

Excellent for frequent IndiGo flyers, offering accelerated BluChips on airline spends.

Enjoy complimentary domestic airport lounge access every quarter with a spend condition.

Attractive welcome and milestone benefits in the form of IndiGo BluChips vouchers.

Currently offers a limited period waiver on both joining and annual fees.

Cons

Key drawbacks and limitations.

The card does not provide any complimentary domestic or international lounge access.

No fuel surcharge waiver applicable, reducing overall benefits on fuel transactions.

A redemption fee of ₹200 + GST applies to all 6E Rewards redemptions.

A high foreign currency markup of 3.5% applies to all international transactions.

Cons

Key drawbacks and limitations.

High foreign currency markup of 3.50% makes international spends expensive.

Lounge access requires a significant spend of ₹50,000 in the preceding quarter.

No explicit fuel surcharge waiver, with a fee applicable on high fuel spends.

High finance charges at 3.75% per month if balances are not paid in full.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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